If Pioneer Credit Recovery is calling you nonstop or reaching out at odd hours, this could be a clear FDCPA violation. Debt collectors cannot threaten legal action, wage garnishment, or arrest unless they actually plan and are allowed to take those steps. You have the right to a written notice detailing your debt within five days—if they didn’t send one, they may be breaking the law. ... https://protectionforconsumers.com/end-pioneer-credit-recovery-debt-collection-harassment/